A chargeback happens when a customer requests for a transaction to be. The following is an inside and out diagram of reason codes for Visa, MasterCard, Discover & Amex alongside their depiction. Summary of Changes, 13 December 2018Free Download. The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. Reference these when rebutting cardholder disputes at your small business. Goods and services not as described or cardholder received defective goods or services 3. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. This code applies when a cardholder claims to have returned merchandise or cancelled services, but the credit did not appear on the cardholder’s monthly. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. Be sure you understand the cardholder’s claim. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. . A previously open account is. All ACH return reason codes consist of the letter “R” followed by two numbers (R01, R12, R22, etc. The good news is that most of these invalid claims are disputable by the merchant. A02: No Valid Authorization. Visa has recently announced changes to its chargeback rules. If your chargeback ratio is high [i. 1 falls under the “Processing Errors” category. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. ” This indicates that the merchant has failed to respond to a transaction inquiry before the deadline elapsed. A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. 0. Many subscription payment disputes are made under code 13. Claim. 02/10/16 Added Debit Chargeback Reason Codes. A reason code is how banks categorize the reason for a chargeback. However, the return request is invalid, as the customer does not have a legitimate right to a refund for one reason or another. 2. Dispute. This Return Reason Code will normally be used on CIE. Sometimes, customers get wrongly debited due to manual data entry errors by the merchant’s team. A chargeback happens when a customer requests for a transaction to be reversed. 6. R01 Insufficient Funds. 4853 – Cardholder Dispute – Goods or Services Not Provided. As a result, the bank’s routing numbers. Return fraud happens when consumers bring an item (or items) back to you to request a refund in the form of store credit or cash. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. For example, 'R04' indicates that an invalid account number was. 4 spec (Section 8. In that way, winning one dispute may help. To indicate the reason of the return, ACH provides a reason code that we return in the NOTIFICATION_OF_CHARGEBACK and CHARGEBACK webhooks, and in your Customer Area > Risk. There are plenty of reasons as to why this would happen, hence the many. Reason. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. Step #2 | Report the Scam to PayPal. R13 Retrieval Response Not Received R14 Late Retrieval Response R15 Insufficient Doc R16 Non-Response to Transaction Inquiry R17 Late CB Response - Deal with CH. R13: Request for Information: Requested Transaction Information Not. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. The new codes, which can be found in our reason code guide, start with a two-digit number indicating which of Visa's four dispute categories. A smarter, simpler way to stop fraud. Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. Blog. Updated these Discover Chargeback Codes: U05, U06. Choose “chargeback and inquiry status” from the drop-down menu. P22 – Non-Matching Card Number. This may be done by either the merchant or the issuing bank. Chargeback reason codes. So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. A cardholder claims that they did not receive the service or merchandise they ordered. To avoid this, issuers can identify their chip cards using the Service Code field with a first byte value of 2 or 6. compliance process depending on whether a chargeback right exists. This code applies when customers claim to have a receipt from either a voided transaction or a credit, but the transaction hasn’t been processed. While there are many chargeback reason codes, all chargebacks fall into one of three categories:Reason Code 02. Merchants who believe they have received an invalid chargeback under reason code 13. 5? Visa chargeback reason code 13. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. Amex Dispute Codes List of NACHA ACH Return Codes. Note: If there are no Motives applicable to the Reason Code, this field contains “0. EMV Liability Shift Non-Counterfeit Fraud. This typically. At Visa they used to receive reason code 98. But if RDR receives a dispute about a Visa card transaction, it will instead consult the ruleset provided by the. . A reason code or a chargeback reason code is a string of symbols (numbers and letters). Cardholder. The Sift Digital Trust & Safety Platform does what other fraud tools can’t, patented technology delivers. In CIE and The Receiver has indicated to the RDFI that the number with MTE entries, the individual ID number is used by the Receiver to identify the account. What are reason codes? Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. Either the acquiring or issuing bank could initiate the. This ranges anywhere from roughly 60 to 90 days after purchase. FAQ: What remains Chargeback Representment? TIPS. By entering your email, you agree to receive marketing emails from Shopify. ACH Return Reason Codes 3-17-2009 CheckGateway, LLC Page 2 of 3 R36 Return of Improper Credit Entry. This definitive guide comes that chargeback reason codes from jeder of of four majority card networks. NEW. Each chargeback is disputed by a specific reason code. ACH Return Code R61 – Misrouted Return. Expired or Not Yet Valid Card. Ande re CSM. 3. As a merchant, you face the brunt of chargeback losses. Shopify has four status categories for chargebacks and inquiries: Open: No response has been sent yet and evidence can still be added. Each card network maintains reason codes to cover all the disputes that qualify for. Credit memo approval ranges cannot overlap for approval limits with the same reason code and currency. The third digit indicates the specific reason within that category. Fight; Prevent; Recover; Predict; Success Story; Resources. This cipher is chosen by examining the list of reason codes established due the card network for the payment card in question furthermore selecting the one that best matches the reason which cardholder gave for the conflicts. ” Reply By: • Notice Due Date, if applicableChargeback reason codes tell merchants the reason the customer is disputing a charge, according to the information they provided to their bank. 5%. Receiver of a recurring debit has stopped payment of an entry. Chargeback Request for Information Notification of Fraud ACH Direct Debit American Express Based on the region in which you have set up American Express, you will receive reason codes from one of these columns: Reason Code North-America: Canada and United States of America Reason Code: All other countries Fraud Authorization Processing Errors See full list on paymentdepot. for chargeback reason code 4863 (Cardholder Does Not Recognize). 0: Updated report version from 1. The shorthand description is “No Reply. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. Reason Code: • List of all Reason Codes and description . What is Visa chargeback reason code 13. Reason Code; Ref Number ; Auth Code; For a brief overview of chargeback reason codes, refer to the table below. 3. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. Now, 10. Added the following fields - Store ID, Credit Card Chargeback Reason Code. DTA C7b. Other reason codes address entirely understandable reasons for cutting a merchant off from their credit card processor, like participating in money-laundering schemes, colluding with other merchants to fix prices or. The chargeback is ordered by the bank that issued the consumer's payment card. Your actions in response to such a chargeback will be determined by the particular circumstances, the most typical of which are described in the table below: If: Then: The transaction was cancelled and credit issued. . 4 – Other Fraud – Card Absent. 0: Changed report name from Downloadable Dispute Report to Case Report. That said, looking up purchases using this number can make it easier to provide info following an. But, merchants should be aware that, eventually, everyone will be required to use the new designations. 104. Reason Code 53 Re-presentment Conditions. ”. Each reason code has its own set of regulations regarding: Proper and. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. The merchant failed to ship the merchandise by the promised delivery date/time. You can learn more about each one by visiting the Mastercard Chargeback Guide. Chargeback Reason Codes Visa. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. ; Resources. Solution. With the right compelling evidence,. Built with a single, intuitive console, Sift’s end-to-end solution eliminates the need for disconnected tools, single-purpose software, and incomplete insights that drain operational resources. Let’s say you got a Visa chargeback with reason code 13. But why do they happen? 4 common types of hotel chargebacks. Subsection5. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Under the new VCR process, there will be 4 dispute categories: Fraud, Authorization, Processing Errors and Consumer Disputes. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. View the entire list of reason codes below or search our database for specific insights. Click on “report a problem” and select the transaction in question. R41: Invalid Transaction Code:Credit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. Most reason codes apply to any merchant, regardless of what’s being sold. In the case of friendly fraud, that reason could be completely invalid and. Chargeback. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. 4846 — Incorrect Currency Code. Values are: Blank: Use the draft G/L date. 4 Updated Discover chapter for April (2012) Enhancements Chapter 2 1. 1. 105. 2 Compliance CasesIn 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. By entering your email, you agree to receive marketing emails from Shopify. 4 Funding Process. The merchant failed to ship the merchandise to the agreed-upon location. Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. Issuer Review; Allocation. UA06 Fraud – Chip and PIN Transaction. RuPay has categorized all the chargeback reason codes into 5 different groups as stated below. American Express Chargebacks / Disputes. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. Card Issuer. There are also specific return time frames, which can differ. Chargeback Reason Codes; A01: Amount Differs from Authorization to Settlement: A02: Did Not Receive Valid Authorization Approval: A03: Valid 6 digit Authorization code Not Provided: A04:. Chargeback reason code 11. Reason codes are important to help merchants address recurring. 2 is the result of receiving a declined authorization but going ahead with the transaction anyway. . 6. Here are some numbers on chargeback reason codes: 30% - the number of chargebacks that result from transactions made with a stolen card. 10. American Express: Reason Code C08 Goods or services. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. All card brands have their own number of codes). Here are some chargeback reason codes by card type. This is an “unauthorized” return code, and will result in your account being assessed the ACH Chargeback Fee. The network plans to reduce response times even further to just 20 days in the near future. If you don’t reply in time or with . Visa chargeback reason code 11. Include any terms relevant to the transaction, including return, cancellation and. The sales receipt and/or date and amount of the authorization if other than the transaction date. The length and structure of Reason Codes changed from a current two-digit code to four to six digits that contains decimal(s) point(s). If a customer makes a chargeback request on the basis that he or she has not authorised the transaction, the customer's bank will charge the transaction back to the merchant’s bank. com 14. Card Type Reason Code. Protect stored cardholder data. F14* Missing Signature. American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. D. Reason Code 12. For example, the approval range for the primary approver JSMITH is from -200 USD to -100. Merchants who believe they have received an invalid chargeback under reason code 13. No Valid Authorization. Understanding these codes is essential because they'll guide your response strategy. Signifyd’s Revenue Protection solution offers fraud screening services to help merchant subscribers protect against fraudulent or unauthorized activity with respect to certain e-commerce transactions, as classified by the applicable card processor’s chargeback. Once you know why a chargeback happened, you can start building a case to address the claims that were made. Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2 Altered Amount Non-Receipt of Goods or Services0Cardholder Disputes Quality of Goods or Services MasterCard;45 Days from the central processing date of the transaction120 Days from the central processing date of. By entering your email, you agree to receive marketing emails from Shopify. R05 – Unauthorized debit to consumer account using Corporate SEC code. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. Supporting Documents You could potentially reverse a Chargeback by providing the. Written by Chargeback Gurus. What is Visa chargeback reason code 13. Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2 Altered Amount Non-Receipt of Goods or Services0Cardholder Disputes Quality of Goods or Services MasterCard;45 Days from the central processing date of the transaction120 Days from the central processing. Merchants can find a. A01. Articles; Chargeback Reason Codes;. American Express Chargeback Reason Codes Fraud F10 Missing Imprint F14 Missing Signature F24 No Card Member Authorization F29 Card Not Present F30 EMV CounterfeitYour comprehensive guide to chargeback reason codes, transaction modifiers, time limits, and compelling evidence for the four major card brands. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. Added the following fields - Store ID, Credit Card Chargeback Reason Code. There are multiple situations in which this can occur. In most cases, you will have 20-45 days in which to respond to a chargeback. the date the customer received the merchandise or services (but not to exceed 540 days of the original transaction processing date) However, if the customer returned merchandise or. If you have already processed a refund for the transaction in question, provide documentation that proves you have credited the cardholder’s account. The most common chargeback reason codes are fraudulent charges, unauthorized transactions, and products not received, however, there are dozens of different chargeback reason codes for cardholders to choose from. This means the cardholder claims that they received goods or services that were substantially different from what the merchant described. We did not receive your response to our Inquiry within the specified timeframe. Values are: Blank: Use the receipt G/L date. M01 — Chargeback Authorization. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. Common reason codes Mastercard. Paid by alternate means and card. . 10 Tips to Prevent Fashion Chargebacks. Dispute Category. If the merchant has a signature showing that the order was delivered, or evidence that the. The major card networks have unique reason code systems, and banks use separate tools. Chargebacks. 4853 – Cardholder Dispute – Credit Not Processed. As chargeback time limits get shorter and shorter, automated technology will become more and more valuable. Friendly fraud. R13: Retrieval Response Not Received-Miscellaneous: Discover: 4534 DP: Duplicate Processing: 120: Processing Errors: Discover: 4541 AP:. For instance, if the customer claims unauthorized purchase, your letter should cite evidence, such as an IP address matching previous purchases, to support. Your chargeback response must include at least one of the following items: If you did reply within the time limit, provide documentation that supports your claim. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. American Express Chargeback Reason Codes have four main categories, those are Fraud, Authorization, Processing Error, Card Member Disputes and Miscellaneous. 1, "Compelling Evidence for goods/services notVisa is planning to shake up the chargeback process with new compelling evidence rules for fraud disputes with Reason Code 10. The EFTA was first enacted in 1978. Chargeback reason code 10. R-Code. ACH return codes and explanations for R01 – R33 returns. S C T. Code 10. ” This indicates that the merchant has failed to respond to a transaction inquiry before the deadline elapsed. C. ACH Return Codes. 2: Canceled Recurring Transaction, is used when a cardholder claims a recurring transaction was processed illegitimately. Code 13. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. Get definitive guide includes the chargeback reason codes from all of the to majority card networks. Chargeback Base Codes by Network - 2023 Guide. 46 4. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. 4853 – Cardholder Dispute – Credit Posted as a Purchase. Now that you know a little more about the meaning behind ODFI and RDFI, here are some of the most common ACH return codes: ACH Return Code. 0 to 5. FAQ: What is Chargeback. About American Express chargeback reason codes. Using the same link provided above, contact PayPal to report the scam. Each chargeback is disputed by a specific reason code. Inform your acquirer of the date that the credit was issued. Overall returns (all codes): 15%. Quantity Discrepancy. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. Message. 2. 0: Changed report name from Downloadable Dispute Report to Case Report. What are chargeback reason codes? Mike Conway 2021-03-04T20:56:54+00:00. 2. For this reason, you must document all debit and credit card transactions and adhere to the strict rules set by the card networks. P08 – Duplicate Charge. So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. The chargeback process starts when a customer (or, less frequently, their issuing bank) challenges a transaction as invalid. Acquirer Use of Message Reason Code 7623. Statistics from Juniper Research estimate that online sellers will have lost $130 billion to online fraud between 2018 and 2023. Late Presentment Rules: Mastercard. This Return Reason Code may only be used to return ENR Entries and is at the Federal Government Agency’s sole discretion. A Charge is Disputed * We’ll work directly with the Card Member and try to resolve the case before reaching out to you. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. Incorrect Account Number. This code applies when valid authorization for a transaction was. Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. Assemble Your Evidence. When a customer decides to dispute a charge made to their debit or credit card, it is referred to as a chargeback. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. CB CD (chargeback reason code) Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. 3: Goods or services were not as described: C31: RM: 13. As such, it is limited to merchants in the following merchant category codes (MCCs): MCC 5735 — Record Stores. R13. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. High Level Visa Chargeback Dispute Flow. REASON CODE R13 NON-RECEIPT OF. Expedited Dispute Resolution forms will not be allowed. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. MCC 5815 — Digital Goods: Media (Books,. Codes are not often shared between issuers which means it can be difficult to remember the details of each. Chargeback Reason Codes All received credit card disputes include a reason code. The first two digits indicate what category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. 1: goods not received. Collect Compelling Evidence. Chargeback fees can start at US$25 and go up from there. Visa, Mastercard, and other leading card companies each have their own respective set of codes for this purpose. Retry the transaction. Chargeback reason code. 7. Customer Dispute. The following chargeback reason codes are related to EMV: Visa: 10. UA05 Fraud – Chip Counterfeit Transaction. R13: RDFI not qualified to participate. The transaction stands incomplete and funds are not secured. QR Codes: One common way to accept Alipay is via QR code payments. A chargeback happens when a customer requests for a transaction to be reversed. ACH Return Code R50 – State Law Affecting RCK Acceptance. ACH Return Code R53 – Item and RCK Entry Presented for Payment. ACH Return Code R52 – Stop Payment on Item Related to RCK Entry. On the other hand, PayPal—which can serve as a credit card processor for merchants—allows buyers up to 180 days to file a claim. It is subject to change and may not include every currently known dispute reason code. AMEX R13 Requested Transaction Information Not Received Request for Information YES NO An ACH dispute results in a chargeback for the business that processed the payment. Write Off. Reason code 53 is typically used when a cardholder received merchandise or service that was defective, damaged, or not as described, while reason code 85 is used when credit was not processed to the. Chargeback. Payment stopped. 7, "Compelling Evidence" Added Compelling Evidence policy that details incremental optional requirements that Merchants may provide to support Chargeback reversal requests. Another downside is that chargebacks on annual subscriptions. NOC (Notice Of Change) Codes Code Meaning C01 Incorrect DFI Account NumberapplyHold("hold_code") specifies the applyHold method and the hold code to use when applying the hold. This extra step can be frustrating for Card Members and lead to lost sales. The shorthand description is “No Reply. ACH return codes identify the reason an ACH payment was returned by the recipient's bank. The card provider then processes this information and determines the. What is American Express chargeback reason code R13? American Express chargeback reason code R13 falls under the “Inquiry/Miscellaneous” category. The shorthand description is “No Authorization. 105. Discover chargeback reason code 7030. for chargeback reason code 4863 (Cardholder Does Not Recognize). the requested documentation, your account will be debited. 10. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. This can be transaction receipts, proof of. Essentially, even a $50 chargeback can become $125 with all the extra fees. You can attempt to work with the customer on a resolution and potentially have the chargeback reversed. Please note that the most common Chargeback reason code for Allocation disputes is 10. 7 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. The shorthand description is “Misrepresentation. Format of the account number specified is not correct. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. A08. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Key-in your chargeback reason code and get a detailed explanation of what it means, how to fight the chargeback, and how to prevent disputes in the future. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show errors, incorrect charge amounts. 1 Merchandise/Services Not Received. And according. Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. Chargeback fees can start at US$25 and go up from there. Chargeback Reason Codes Card Type DISCOVER DISCOVER DISCOVER Reason Code 4502 4534 4540 DISCOVER 4541 DISCOVER 4550 DISCOVER 4553 DISCOVER DIS. The first two digits indicate what category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. September 2011: 5. 3? Visa chargeback reason code 13. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. The chargeback initially results in the debit or credit card charge being reversed and the funds that you received for the payment being returned to the customer. It gets worse. Chargeback. The shorthand description is “No Reply. 1? Visa chargeback reason code 12. Amex Processing Errors Chargeback Reason Codes P01 — Unassigned Card NumberCODE: DESCRIPTION: A01: Charge Amount Exceeds Authorization Amount. The following are some examples: Visa Reason Code 13. C. 4: Fraud—Card-Absent Environment. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. Here are some chargeback reason codes by card type. 6, "Chargeback Reasons" Added requirements for each Chargeback Reason code. Visa chargeback reason code 11. Eligible Chargeback Reason Codes . the date the customer received the merchandise or services (but not to exceed 540 days of the original transaction processing date)A service chargeback is filed by a customer, which means that you need to note the card type and dispute reason code so that you can determine which types of information to submit if you dispute the claim. This can provide important information to fight the dispute. 1 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. Before the cardholder can file a chargeback, they must give a reason to their card provider. By entering your email, you agree to receive marketing emails from Shopify. Partners. This is not a complete list of ACH Return Codes—those related only to government payments, ATMs, ACH credits, paper check conversion, or inter-bank communications have been omitted. The codes also appear on financial reporting associated with disputes. Typically, cardholders file a chargeback if they were not informed of dynamic currency conversion fees or were not given the option to complete the sale in their local currency. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. 1 Quick Reference Lead.